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存SEP金额有限制的,于你公司的net profit 相关.

云起千百度 2024-12-18 17:50:01 ( reads)

The contribution limit for a SEP IRA (Simplified Employee Pension Individual Retirement Account) is determined based on your compensation and the tax year's maximum limits set by the IRS. Here's a breakdown of the contribution limits for 2024:

  1. Employer Contributions:
    Employers can contribute up to:

    • 25% of an employee's compensation (for self-employed individuals, this is based on adjusted net earnings from self-employment).
    • A maximum of $66,000 for 2024.
  2. Self-Employed Individuals:
    For self-employed people, calculating the contribution involves accounting for the self-employment tax deduction. The effective limit is typically around 20% of net adjusted self-employment income.

  3. No Employee Contributions:
    SEP IRAs are funded exclusively through employer contributions. Employees cannot make direct contributions to their SEP IRA.

  4. Compensation Cap:
    In 2024, the compensation used to determine contributions is capped at $330,000.

跟帖(5)

云起千百度

2024-12-18 17:51:30

多存SEP意味着你今年公司net profit高,也就意味着要交高的个人所得税

Hightides

2024-12-18 17:58:08

哈哈不多存,交的更多

云起千百度

2024-12-18 18:04:44

是这样的。我一直认为综合来说Solo 401K才是更适合个人公司的退休账户

MrsKwok

2024-12-18 18:46:37

我记得去年我们是不是讨论过这个,今年我把SEP给晾着了,做solo 401K,其实也不好

云起千百度

2024-12-18 18:56:53

祝贺美女生意兴隆,想不赚钱都难。